Credit union · Privately insured
United Equity Credit Union Auto Loan Rates
Top CarrotUnited Equity Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 17, 2026.
How United Equity Credit Union’s auto loan rates compare
Compared with banks and credit unions near Decatur, IL, where United Equity Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
United Equity Credit Union
4.50%APR
- Terms
- up to 60 months
Auto Loans
2nd-lowest rate
Staley Credit Union
4.50%APR
- Terms
- up to 60 months
3rd-lowest rate
Decatur Earthmover Credit Union
4.75%APR
- Terms
- up to 60 months
United Equity Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Equity Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Available for new or used vehicles. Competitive, fixed and variable rates. Refinance options available.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.25% | Model year 2026 & Newer; Up to 60 Months |
| up to 72 months | 4.75% | Model year 2026 & Newer; 72 Months |
| up to 84 months | 6.00% | Model year 2026 & Newer; 84 Month term available for loan amount of $40,000 or more |
| up to 60 months | 4.50% | Model years 2022-2025; Up to 60 Months |
| up to 72 months | 5.25% | Model years 2022-2025; 72 Months |
| up to 84 months | 6.75% | Model years 2022-2025; 84 Month term available for loan amount of $40,000 or more |
| up to 60 months | 5.00% | Model years 2017-2021; Up to 60 Months |
| up to 72 months | 6.00% | Model years 2017-2021; 72 Months |
Sources (3)
- uecu.com/loans/loan-products
- uecu.com/loans/loan-products/auto-loans.html
- uecu.com/services/tools/rates.html
All captured Oct 7, 2026
Who can join United Equity Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone living or working in Fulton, Henry, Knox, Mercer, Peoria, Stark, or Warren counties in Illinois.
Employers and groups
- Membership is available to employees, retirees, members, students, volunteers, and subcontractors of specified partner companies and organizations.
Military, government and schools
- Membership is available to employees and retirees of Decatur Firefighters.
Family and household
- Membership is available to relatives by blood or marriage, including parents, children, stepchildren, grandchildren, brothers and sisters, aunts and uncles, etc.
Membership information collected October 5, 2026.